The Risk Rundown

In this anniversary episode, Julie welcomes back industry veterans Cindy Zobian and Tyler Banks to reflect on a turbulent 2025 and navigate the shifting landscape of the 2026 insurance market. From the devastating wildfires in Los Angeles to the rising costs of liability, the team discusses why insurance is more than just "words on paper”; it’s a promise.

You’ll learn:

• Lessons from 2025
• Biggest insurance myths
• Trends for 2...

Is flood damage covered by homeowners’ insurance, or do you need a separate flood policy? The answer isn’t always clear. In this episode of The Risk Rundown, Julie and Tyler tackle one of the most frequently asked insurance questions: flood vs. water damage. They explain how insurance policies define each type of loss, why nearly 40% of flood claims occur outside high-risk flood zones, and how events like hurricanes, wildfires...

What does it really cost to rebuild a luxury home after a total loss? Willy Hammond joins Julie and Tyler to break down one of the most misunderstood areas of high-net-worth insurance—replacement costs. This episode covers: • The difference between market value and replacement cost • How renovations, custom features, and technology upgrades increase rebuild costs • How often high-net-worth homeowners should reassess property v...

Life insurance is never one-size-fits-all. And for high-net-worth clients, it is much more nuanced than obtaining a standard employer policy. In this episode, Alliant Private Client’s Life Insurance Practice Leader, Steven Glick, speaks with Julie and Tyler about how understanding which real-life events — from starting a family to selling a business — can shape coverage and support high-net-worth family, business, and legacy g...

As children step into independence through each stage of life—particularly during their teens and college years—parents face new insurance risks that can still impact the whole family. Julie Rison and new co-host, Tyler Banks, discuss common exposures tied to growing children including: driving, renting, social gatherings, and even digital behavior. Listen in as they share tips on when young adults should get their own coverag...

Host Julie Rison sits down with Ted Deveraux and Willy Hammond, Alliant Private Client’s in-house risk mitigation experts, to separate hurricane myths from reality. From essential pre-storm preparations to safeguarding high-value homes, vehicles, and assets, they’ll dive deep into the myths versus realities of hurricane preparedness. With expert insights, they’ll debunk common misconceptions that could expose ...

A misdirected golf shot, a flooded condo, a guest’s accident at your home—liability risks are everywhere, even when you least expect them. In this episode, Alliant Private Client’s John Pugliese and Kimberlyn Pak join host Julie Rison to discuss the biggest personal liability exposures for high-net-worth individuals. From unexpected lawsuits to overlooked coverage gaps, they break down how the right policies can help safeguard...

Alliant Private Client leaders, Executive Vice President and Managing Director, Cindy Zobian and Executive Vice President, Growth and Strategy, Tyler Banks, discuss the many elements currently impacting the personal insurance market and what can be done to minimize risks. From the chilling reality of “nuclear” jury verdicts to the extreme climate events reshaping the insurance landscape, learn how to dodge the...